DuFam
ActiveDuFam has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €444k and a net result of €17k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 34% of 2172 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+8
Solvency49▲+5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.23 in 2024; short-term debt: 53.8% and cash: 4.6% of total assets), and 76% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24%
Return on assets
0.9%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
132 d late
2023
76 d late
2022
87 d late
2021
2 d early
2020
3 d late
2019
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€5.75M
EBIT margin
3.1%
Net result
€17k▼ 82.3%
2024 · €98k
2018: €22k
2019: €-8k
2020: €66k
2021: €102k
2022: €187
2023: €94k
2024: €98k
2018 → 2025
Working capital
€29k▼ 91.1%
2024 · €321k
2018: €158k
2019: €191k
2020: €206k
2021: €-80k
2022: €18k
2023: €77k
2024: €321k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€5.75M
Equity€235k-€235k▲ 0.1%€329k▲ 40.2%€427k▲ 29.7%€444k▲ 4.1%
Operating result€140k-€63k▼ 54.8%€177k▲ 179%€188k▲ 6.2%€108k▼ 42.6%
Net result€102k-€187▼ 99.8%€94k▲ 50,364%€98k▲ 3.5%€17k▼ 82.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.85M
Fixed assets
€827k▲ 60.8%
Current assets
€1.03M▼ 41.2%
Equity and liabilities €1.85M
Equity
€444k▲ 4.1%
Provisions
€54k
Debt
€1.35M▼ 26.1%
The debt ratio falls from 81.1% to 73.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€398k▼
2024 · €420k
Cash flow
€308k▼
2024 · €330k
Solvency
24.0%▲
2024 · 18.9%
Current ratio
1.03▼
2024 · 1.23
Quick ratio
0.81▼
2024 · 1.08
Debt / equity
3.05▼
2024 · 4.29
ROE
3.9%▼
2024 · 22.9%
ROA
0.9%▼
2024 · 4.3%
Interest coverage
12.04▲
2024 · 4.59
Debt
€1.35M▼
2024 · €1.83M
Debt ≤ 1 year
€997k▼
2024 · €1.42M
Debt > 1 year
€356k▼
2024 · €409k
Income taxes
€57k▲
2024 · €4k
Staff costs
€809k▲
2024 · €459k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.26M€1.85M▼
Fixed assets21/28€515k€827k▲
Tangible fixed assets22/27€515k€825k▲
Land and buildings22€855€760▼
Plant, machinery and equipment23€189k€226k▲
Furniture and vehicles24€169k€135k▼
Leasing and similar rights25€156k€464k▲
Financial fixed assets28-€2k
Current assets29/58€1.74M€1.03M▼
Stocks and contracts in progress3€210k€221k▲
Contracts in progress37€210k€221k▲
Amounts receivable within one year40/41€1.44M€704k▼
Trade receivables40€1.16M€442k▼
Other amounts receivable41€284k€261k▼
Cash at bank and in hand54/58€51k€86k▲
Deferred charges and accrued income490/1€41k€15k▼
Equity and liabilities
Total equity and liabilities10/49€2.26M€1.85M▼
Equity10/15€427k€444k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€407k€424k▲
Provisions and deferred taxes16-€54k
Provisions for liabilities and charges160/5-€54k
Other liabilities and charges164/5-€54k
Amounts payable17/49€1.83M€1.35M▼
Amounts payable after more than one year17€409k€356k▼
Financial debts170/4€409k€356k▼
Amounts payable within one year42/48€1.42M€997k▼
Current portion of amounts payable after more than one year42€182k€177k▼
Trade debts44€1.14M€751k▼
Suppliers440/4€1.14M€751k▼
Taxes, remuneration and social security45€47k€57k▲
Taxes450/3€18k€13k▼
Remuneration and social security454/9€28k€44k▲
Other amounts payable47/48€58k€11k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€459k€809k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€233k€291k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€54k
Other operating charges640/8€29k€62k▲
Non-recurring operating charges66A-€2k
Gross operating margin9900€908k€1.32M▲
Operating profit (loss)9901€188k€108k▼
Financial income75/76B€5k€270▼
Recurring financial income75€5k€270▼
Financial charges65/66B€92k€33k▼
Recurring financial charges65€92k€33k▼
Profit (loss) for the period before taxes9903€101k€75k▼
Income taxes67/77€4k€57k▲
Profit (loss) for the period9904€98k€17k▼
Profit (loss) for the period to be appropriated9905€98k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€407k€424k▲
Profit (loss) brought forward from the previous period14P€309k€407k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
10-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 132 days late
2024
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 76 days late
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 87 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €102k ▲54.2%
Net result €102k, the highest in the series.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 3 days late
2020
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 4 days late
2019
31-12
Financial
Weakest financial yearnet €-8k ▼138%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 2 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 10 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Vliegtuiglaan 59000 GentGround area
3.2 ha
Building footprint
1.5 ha
Volume, LiDAR
126,051 m³
Parcel 44812P0639/00P018, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DUFAM
since 20102.188.164.503
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44812P0639/00P018 | Flanders | 3.2 ha | 1 · 1.5 ha | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 16,546 EUR awarded · 16,546 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 8,180 EUR | 8,180 EUR |
| 2024 | 2 | 6,747 EUR | 6,747 EUR |
| 2023 | 1 | 1,228 EUR | 1,228 EUR |
| 2022 | 1 | 391 EUR | 391 EUR |
Schemes
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500F7DA4541BEZ333
Similar companies · same sector, comparable size
MDG
BE 0468.059.840
Waterloo · Eq €444k
Van Houtven
BE 0450.441.967
Laakdal · Eq €445k
Bouwwerken Versnel
BE 0407.189.370
Wijnegem · Eq €444k
COOMAN CONSTRUCT
BE 0668.603.479
Affligem · Eq €445k
Van Eenooghe
BE 0885.605.545
Aalter · Eq €444k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 9,680 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-12-2009
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43110Demolition
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43310Plastering work
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.